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Indianapolis Home Warranty Articles

Cost versus benefit: what a home warranty really offers

Home warranties don't always come with the kind of robust protection and security homeowners expect. Here's a quick breakdown on the real costs, and real benefits, of purchasing a warranty for your home.

7 components of a good home warranty

Home warranty companies are the number one most complained about category on Angie’s List. If you decide to purchase a warranty, look for the components of a good home warranty before signing the contract.

3 things to know before buying a warranty on a newer home

Should you buy a warranty to protect you from unexpected problems with a newer home? Knowing the costs, benefits and drawbacks will help you decide if a warranty has value for a home five years old or less.

Does a first-time buyer need a home warranty?

Buying a home is a large step in life, and being a first-time buyer, you may have many questions. Should you purchase a home warranty when you buy your first home? Is it worth it to cover any what ifs?

Angie's List In The Press

Indianapolis Home Warranty Companies Reviews

"Terrible. They do NOT care about their customers. They have no morals or values. All they care about is profit. I was placed on hold several times, disconnected at least once and they did not call back. Their customer service and midlevel supervisors had no idea about home maintenance, just arguing contracts."
"The HSA warranty was purchased for us by the seller of our home, we had only been in the home since June 9th when we filed our first claim. On Wednesday
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13th at around 4pm I used their online claim service to report our broken air conditioner, it was one of the hottest days of the year. It automatically assigned us an HVAC company and said we should expect a call within 2 hours and if not we should call the company. It also said that if it was near the end of the work day we may not receive a call until the next morning. The guy from the company called us at around 8:30pm. He said he had just checked his voicemail and apologized for not returning the call sooner. He said he could come the next day if someone would be home to let him in the house. He came the next day (he was not just on time, but actually early!) and fixed the problem - we just needed a freon fill-up. He also cleaned out the air conditioner for us. We paid him the $75 visit fee that is standard for an HSA visit. A week later I received an email from HSA which says that our claim for the air conditioner repair is approved and we do not have to pay anything on top of the $75 we already paid.

We could not be happier with the home warranty! Every step of the process was easy and the contractor they chose was great.
"We paid $475 for a "premium" home warranty policy. Our basement lift station failed. No one returned our call that evening, so we called our own plumber to find out if we could use water/sewer or had to check into a hotel.
I was told when I called the next morning that I should have called back in an hour, their voice mail wasn't dependable. Hello, ever hear of an answering service? In this field, customers should not have to keep calling back. They also implied that they didn't get my message, which is untrue, as their plumber did call me the *next morning*!! (Way too late).
I was told that the lift station was not covered, which is a blatent misrepresentation of what is covered in their "premium" policy.
I will be asking for a refund of my remaining money. we've barely been in the house for a month!
"In the fall of 1999, we bought the home. At the time, we were advised to buy insurance for the furnace and air conditioner. We choice American Shield because they were reccommend to us. We used them for 8 years renewing every December at a total cost of $3,669.00. We have had over 19 service call reports 10 of which came from one company. After the visit by this company on 8/3/2007 they refuse to replace the AC unit because they stated that it was a bad compressor caused by our poor maintenance. We would have to replace the AC. This was the third compressor that was installed so it was not the first time it had happened. They decided this without consulting my husband or myself. No one asked us any question and since the company sent in this report they refuse to take our claim for the replacement."
"I went to the website and entered my claim. After waiting a week with no response, I called the 800 number and was told that there were "glitches" in the computer program. I was advised that there was a $75 deductible per claim. Since I had only one sheet of paper regarding the warranty, I asked for a more complete explanation of my warranty with warranty conditions and details of what was covered and what was not (this information is not available on their website which is more focused on selling the product). I was told that this was not available and that claims associates would interpret claims. So I asked that a contractor be sent to inspect the A/C. After a week with no response, we called a local contractor and had the unit repaired at our own expense. I called the home warranty company back to cancel that request and to make a claim on the disposal. I waited another eight days without response. I called back and asked for a supervisor and stated my concerns with the company's poor response pattern. She briefly apologized, then told me that the claim had been dispatched but that plumbers get busy with bigger jobs and work smaller claims in when they can. She reminded me again that I would be responsible for the $75 service call and that if my unit needed replacement, the warranty company would allow approximately $75 for replacement with a contractors' grade 1/3 HP disposal. I suggested that I had a mid-grade 1/2 HP unit and asked why it would not be replaced by a comparable unit. She said that this was possible but that I would be responsible for the difference in cost since I did not have one of their premium plans. To their credit the local plumber did contact me the next day. But replacement with a comparable unit, if replacement was approved by the warranty company, would cost me nearly $300.00. My complaint is regarding the poor response to claims (I was put on silent hold every time I called), poor response time by contractors (especially since the call-back would have been only to set up an appointment which presumably would involve even more time), and potentially misleading marketing information since exact warranty coverage details are not provided. This company's mailing address is only a post office box. I feel that this product is sold to real estate seller's and thus to potential buyers as an incentive to buy a property while offering questionable protection down the road when a claim is made."
"In the first year (last summer), the A/C broke and they sent a service man to fix it. This man was very rude and refused to work on the system. This summer, it broke again, first
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paired me with a company that had was no longer in business. I had to do the leg work to get a new appt with another contractor. We made an appt and on the day of the appt, I called to verify with him. He was surprised to find that
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hadn't called me when he canceled all work with them. He stated that this had happened to him a few other times that week. I finally convinced
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to allow me to use my own regular HVAC maintenance man. He called them to report that my AC unit was un-serviceable. Previous owners hadn't performed regular maintenance and the valves were rusted shut.
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approved the replacement of the unit. However, they would only replace it with a 13SEER unit. They would only pay $400 in labor and they would not replace any connections, ground pads, refrigerant, or disposal. I don't know how the unit is supposed to work without refrigerant... In addition, they wouldn't have replaced the indoor coil. When the new unit is matched with one of a lower SEER, you don't get the new amount, you get somewhere in between. In essence, they are liars, cheats, and weasels. I do not recommend them for any reason.
"After Christmas our furnace went out. We called Globe and they told us to leave a message on their emergency line. They told us that someone would call us right back. We did, and no one ever called us back. We called them back and told them that we were going to go ahead and get the work done and mail in the claim. They told us they had received the claim and that we would soon receive our check. When we didn't receive it, we called back and they told us that the check was on the way. When it still didn't arrive, we called back and they told us that our claim was illegible and that they hadn't processed it. We then faxed another copy and they still said it was illegible. Their customer service has always been poor, and they are rude on the phone."
"We bought a home whose sellers provided an RWS home warranty. When the garage door opener failed, RWS sent out a contractor to fix the problem. The contractor told us that the gear sprocket was completely worn out. The opener model and associated parts are no longer available. RWS refused to cover a new comparable opener. They would only pay for an estimated amount that the old part would have cost if it was available. We were charged more than $140 on a claim that should have only cost the $50 deductible. RWS claimed that the wording in their agreement means they do not actually have to repair the item if the original part is no longer available. What kind of warranty does not replace an item?"
"AHS only works with one roofing company in Indiana. South Bend is more than 3 hours away, which is why we were charged $100 for an estimate. If in South Bend, we wouldnt be charged. AHS indicated that was the roofer fee but the roofer indicated AHS TOLD THEM to charge us this. The reason for a home warranty is because a buyer of a home doesnt know what theyre getting into when they purchase a home. If the claim will be denied every time the previous homeowner did something incorrectly, then virtually all claims will be denied, and it becomes only an appliance warranty. In the Chicago Angies list, and on-line, I have seen similar complaints. Also, forcing a homeowner to call you first, then limiting the contractors to make $$ for estimates is a bad faith practice, and Im considering going to the states attorney and the
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to file a formal complaint. The roofing contractor they had do the estimate also DOES NOT do gutters so is useless to us. DO NOT USE AHS.
"This was a horrible experience. It took 15 days from the time my claim was submitted until the repair was done. The company routinely "lost" paperwork, then found it, did not return phone calls, and drug their feet in approving the claim. The outside temperature was 90 and above during this time and despite the warranty having a clause in which temps over 90 made this an emergency situation, the company seemed in no hurry to speed up their process. The only good spot in the situation was the local contractor who did the work. They were responsive and friendly."

All Home Warranty Companies in Indianapolis, IN

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings Join Angie's List Now!
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#1 EZ Movers

3101 Saint Philip St
New Orleans, LA


Englewood, CO

2-10 Home Warranty

9187 Greenridge Ln
Indianapolis, IN

365 Home Warranty

55 Carter Dr
Edison, NJ

Abel Home Repairs LLC

445 E. Gold Creek Road
Mooresville, IN

America's 1st Choice Home Warranty

2625 Sandy Plains Rd
Marietta, GA

American Animal Control

11877 N Pine Rd
Syracuse, IN

American Residential Warranty

1700 N Dixie Hwy
Boca Raton, FL


23046 Avenida De La Carlota
Laguna Hills, CA

B&H Professional Services

6232 South Meridian
Indianapolis, In

BPG Property Inspection Services

12251 Eastcreek Ct
Indianapolis, IN

Buyers Protection Group (BPG)

4300 Alexander Dr
Alpharetta, GA


Greenwood, IN

Complete Appliance Protection Inc

1532 NE 96th St
Liberty, MO

Fremont Interiors Inc

998 3rd Ave SW
Carmel, IN

High Tech Home Warranties

PO Box 24881
Raleigh, NC

HMS Home Warranty

Zionsville, IN

HMS Warranty

Indianapolis, IN

Hope Plumbing

2144 E 52nd St
Indianapolis, IN